Articles by Patrick Totty

Members crave unbiased information from an institution they trust.

The trend in ATM design is toward a higher level of predictive analytics and the ability to feed real-time information to the cloud.

The Durbin amendment is like a big earthquake: Those closest to the event experience the most severe trauma. Those further away experience less shock but still feel uneasy.

It doesn't take a mind reader to know one of the top questions facing CUs: “Will we be able to increase lending this year?”

CUs can expect to face three major regulatory compliance issues this year: safety and soundness, fair lending, and Unfair Deceptive Abusive Acts and Practices.

CUs have a history with consumer credit cards, and many are expanding into business credit card services with a minimum of pain and fuss.

CUs face a jumble of new mortgage regulations in 2012.

Too many CUs either fail to segment or use obsolete segmentation schemes.

Mobile security is an integral part of any security discussion.

Auto repossessions are as American as apple pie, reaching nearly three million during the depths of the Great Recession.